Wednesday, February 1, 2012

RM 13,000 waiting for Indian Community

ATTRACTIVE FEATURES: Low-income group can get RM134 monthly or RM13 , 000 after five years
Prime Minister Datuk Seri Najib Razak meeting the people
Prime Minister Datuk Seri Najib Razak meeting the people who turned up for the launch of the Skim Amanah Rakyat 1Malaysia at the Putra World Trade Centre in Kuala Lumpur yesterday.
Skim Amanah Rakyat 1Malaysia
Skim Amanah Rakyat 1Malaysia
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THOSE earning RM3 , 000 and below a month are in for a treat again with the launch of a new savings scheme.
Skim Amanah Rakyat (Sara) 1Malaysia will , for the first time , give an opti-on to those with a monthly household income of RM3 , 000 and below to exercise options to invest and allow their money to grow in five years.
The government has set aside RM100 million to kick-start the scheme , the first of its kind.
Launching the scheme yesterday , Prime Minister Datuk Seri Najib Razak said Sara ,  a hybrid of a unit trust investment and loan product , was capable of generating a consistent cash flow or monthly incentives. It gives an option to the low-income group to pay cash or take up a loan of RM5 , 000 to participate in the scheme. “The lim it is RM5 , 000 and it can be bought through savings or investment loans from selected financial institutions , ” Najib said.
“We guarantee that those who pay cash will get RM134 monthly or RM13 , 000 after five years.” Those who take up a loan will have to pay the bank RM84 a month and receive cash of RM50 a month , or RM5 , 000 after five years. He described the scheme as a “historic 1Malaysia product for all”. “If you don’t take the monthly cash , put it back into the scheme. Let your money grow. Those who paid cash will see returns of RM13 , 000 after five years , ” he told thousands of people who had turned up at the Putra World Trade Centre to listen to him on the
options available for them to invest. Najib , who is also finance minister , said five years would go by fast and it would allow people to save or use the monthly cash.
“It is up to you. The money goes back into your pockets.” The scheme , under the Ministry of Finance , is managed by Permodalan Nasional Berhad's sister company , Amanah Saham Nasional Berhad.
Application forms are available at Malayan Banking Berhad , CIMB Bank , RHB Bank and Bank Simpanan Nasional.

The forms will be distributed from Jan 30 for 100 , 000 households on a first-come , first-served basis. Najib said the government had launched various schemes and projects to alleviate the rakyat's burden.

Malaysians , he said could buy sugar at RM2.20 per kg compared with RM2.90 per kg in Thailand and RM3.65 per kg in Indonesia .  "It is the lowest here. It is low because the government subsidises it."

Last month , the government started distributing application forms to allow millions of people earning less than RM3 , 000 a month to apply for the one-off RM500 aid to ease their financial burden.

Some RM2.6 billion will be paid out from the middle of this month and this is expected to benefit several million households. The programme , under Bantuan Rakyat 1Malaysia (BR1M) is under the Finance Ministry.

Najib also touched on his 1Malaysia slogan and  said people were cynical when it was initially launched.

  "They said it was just another slogan. There have been slogans before , but this (1Malaysia) is the guiding philosophy for the country."

He said the 1Malaysia slogan was a product that would benefit everybody as could be seen in the Kedai Rakyat 1Malaysia , Klinik 1Malaysia , Menu Rakyat 1Malaysia , 1Malaysia Housing Programme and others.

Najib also said while developed countries were facing financial crises , the government would continue to spur development via the Government Transformation Programme , Economic Transformation Programme and other rural programmes.

"We need to develop the country further so that the country's revenue continues to increase. It will benefit all because the money can be used to improve the rural , education and health sectors , and all.  This is the government's effort to champion the people. We have launched many products in less than three years.  Just imagine (the number) in the next five years , " he said.

Present at the launch were Deputy Prime Minister Tan Sri Muhyiddin Yassin , PNB chairman Tun Ahmad Sarji Abdul Hamid and its president and group chief executive Tan Sri Hamad Kama Piah Che Othman.  Najib had announced the scheme in his 2012 Budget , aimed at encouraging the low-income group to save and invest and also assist them in coping with rising living costs.
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Tuesday January 31 , 2012
Thousands throng banks to apply for Sara 1Malaysia
By LEE YEN MUN and CHRISTINA CHIN
newsdesk@thestar.com.my
 
PETALING JAYA: Thousands of Malaysians made a dash to apply for the Skim Amanah Rakyat 1Malaysia (Sara 1Malaysia) at banks around the country.
If approved , they will be among the 100 , 000 low-income households to get a share of the RM500mil loan incentive to help them save and invest.
Auditor Jeremy Cheong , 24 , said he was attracted to the lucrative returns based on a small sum of required capital.
“I joined the workforce for only over a year and my income is not enough to support my mother and a sister who is in university.
Attractive incentive: A customer filling out the Sara 1Malaysia form at a bank in Shah Alam yesterday. — Bernama
 
“There is no way a fresh graduate's salary can match the high cost of living , so I am very keen , ” Cheong said when met at a Maybank branch here yesterday.
Sara 1Malaysia , a unit trust investment backed up by a loan incentive of up to RM5 , 000 with an investment period of five years , is an initiative under the Budget to help increase the disposable income of poor households.
Salesman Abdul Samad Mustakim , 52 , whose wife is a clerk , said they could not afford to send both their children to college.
“One of my children is ready for tertiary education but I am confident we can get a little help through this investment , ” he said.
In GEORGE TOWN , housewife Rahima Bee Abdul Kadir , who was among some 100 early birds at a Maybank branch , said she was excited as this would be her first “real investment”.
“I heard about it on the radio. Now that my four children are all grown up , we have some cash to spare , ” said the 55-year-old.
Storekeeper Chew Kean Suan , 56 , who earns about RM1 , 000 a month , was also a “first time investor” , adding that the returns were too good to pass up.
However , pensioner S. Nilehmegam had to walk away dismayed after failing to meet the age requirement.
“I had hoped this would be extended to me but I guess the Government had intended this for younger people , especially young married couples who needed a financial boost to start a family , ” said the 64-year-old who gets a RM1 , 000 monthly pension.
Security guard M. Marumuthu , 64 , was also disappointed that he had exceeded the age lim it.
Applicants must be aged between 18 and 58 with a gross household income of between RM500 and RM3 , 000 per month.
In a statement , Permodalan Nasional Berhad said investment through the scheme could only be made through the loan ap- proved by Sara 1Malaysia and not by cash.
Application forms for the scheme , available on a first-come-first-served basis , can be obtained from Maybank , CIMB , RHB and Bank Simpanan Nasional branches.
 
 
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BORANG ONLINE SARA (SKIM AMANAH RAKYAT) 1MALAYSIA | BOLEH ATAU TIDAK? | Sebelum ini ada yang bertanyakan ammboi mengenai penggunaan Borang Online SARA (Skim Amanah Rakyat) 1Malaysia untuk mohon pinjaman SARA 1Malaysia boleh diguna pakai atau tidak? Maksudnya pihak bank terima atau tidak borang download secara online ni? Jawapan ammboi untuk persoalan ini adalah , ammboi sendiri pun keliru. Jika bank tak terima kenapa dalam laman www.sara1malaysia.com.my ada disediakan link muat turun secara online Borang Online SARA (Skim Amanah Rakyat) 1Malaysia?
Buat masa ini 

ammboi telahpun bertanyakan hal ini kepada pihak yang berkenaan samada penggunaan                     Borang Online SARA (Skim Amanah Rakyat) 1Malaysia dibenarkan atau tidak oleh pihak bank. Ammboi harap penggunaan Borang Online SARA (Skim Amanah Rakyat) 1Malaysia dibenarkanlah yer untuk memudahkan urusan orang ramai mendapatkan borang ini. Jika anda nak download borang ini bolehlah ke www.sara1malaysia.com.my/Borang_SARA1M.pdf.

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